FOX Nation host Abby Hornacek takes a closer look at the topics and buzz words you find your friends and coworkers using to sound intelligent. Each week Abby and her expert guests will tackle topics we take for granted and help to explain the roots and meanings behind them.

This week David Asman, Host of Bulls and Bears on the Fox Business Network joins Abby in the classroom to help with her lesson plan. David explains when you should start contributing to your 401K, if you can lose money on your investment and how this is the only benefit "Uncle Sam" gives you.

Keep up with Abby after class on Twitter: @AbbyHornacek